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As Sokhom notes, tong tines were common for “Cambodians who cannot get a bank loan or did not know how.” Being able to, in Lonh’s words, “kind of avoid the bank” through personal savings, the help of friends and family, or the support of a tong tine allowed Cambodians swifter access to independent business ownership with lower initial expenditures, fewer long-term costs, and less engagement with U.S. financial institutions.